| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT RESOURCES | 2300 WINDY RIDGE PARKWAY,SUITE 695S ATLANTA, GA 30339 | GRANULAR INSURANCE COMPANY | — | $57K | $57K | 7.00% |
| HIGGINS INSURANCE INC3 | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | STANDARD INSURANCE COMPANY | $21K | $1K | $23K | 14.43% |
| HIGGINS INSURANCE INC3 | 4057 LAFAYETTE RD HOPKINSVILLE, KY 42240 | ANTHEM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.61% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 449 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY INC | 313 | $40K |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY INC | 313 | $40K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY INC | 313 | $40K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 437 | $219K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 437 | $219K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 437 | $219K |
| Prescription drug | ANTHEM HEALTH PLANS OF KENTUCKY INC | 313 | $40K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 317 | $814K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 437 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.